Credit union loan zone: Auto enhanced scores

first_imgWe used to hear often from members that the reason they got their car loan from a big bank was the competitor’s rate was lower than ours. We used to discount this information, as we knew our rates were lower. We did our surveys.However, what was happening in many cases was that our competitors were pulling auto enhanced credit scores that would take our members up a couple of credit grade tiers. When we pulled a traditional credit score, we would get a lower credit rating for the same borrower. So we were not competing on a level field.More specifically, here’s how it would go. Our member would go into the auto dealership. The dealer rep would send the loan application to our credit union and other lenders. We would pull a credit file using the traditional model—let’s say the credit score was 680. With a 680 score, we would classify this as B credit and assign an interest rate of 5 percent.Our competitors (all big banks) would pull an auto enhanced credit score. Since most members pay auto loans on time, the enhanced score was in the 700s. With a 700-plus score, the big banks were able to offer interest rates in the 3.5 percent range. Why wouldn’t the member want to pay 1.5 percent less? We lost this business due to not using the same model the big banks were using. If we had used the same auto enhanced score, we would have given our members a better rate, too. continue reading » 29SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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Yet another survey of MLB venues has something to say about the Oakland Coliseum

first_imgCLICK HERE if you are having a problem viewing the photos on a mobile deviceGuess what? Raw sewage stinks.And so does the most recent survey of major league baseball stadiums. Moneywise.com, piggy-backing on a Forbes report, published a ranking of MLB’s worst 30 venues, “taking into account design, amenities and the views.”Survey says: The Oakland Coliseum ranks next to last, one rung above Tropicana Field in Tampa. Among other things, Moneywise.com knocks the Coliseum for its aging …last_img read more

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Got Scientism? Champions of “Science” All Leftists

first_imgThe Union of Concerned Scientists’ list of champions only includes those who take far-left political stances on the issues.Live Science republished a list from the Union of Concerned Scientists by Seth Shulman, one of their senior staff writers.  Under the title, “Got Science?  Champions Who Stood Up for Science in 2013,” the list is noteworthy for its extreme leftist bias.  Even though his list of six champions promises to include those “from every political persuasion,” the two arguably conservative entrants were nevertheless praised for standing against other conservatives on political issues.  The list appears to equate “science” with left-leaning political positions on each issue, such as:Evolution: Kentucky Governor Steven Beshear is honored for opposing the strong majority in the legislative committee that opposed the Next Generation Science Standards that teach evolution and global warming as fact without any evidence against it.Climate Change: Jennifer Jurado is praised for working with President Obama to prepare some Florida counties for rising sea levels expected from climate change.Fracking: Kelly Giddens is a champion for opposing fracking in Colorado, a practice that could make the United States energy independent, create jobs, and actually reduce carbon emissions.Censorship: Paul Thornton is praised for getting the L.A. Times to cease printing any letters critical of global warming.Solar Power: The lone conservative in the group, Debbie Dooley of the Atlanta Tea Party, is honored for her “green tea party” action by standing against the Koch brothers and advocating expansion of solar power.Climate Science: Al Dutcher, a climatologist the article says is a “self-described conservative” is praised for standing up against conservatives on the issue of global warming.Shulman is half right when he says:With Congressional partisanship reaching unprecedented levels and science too frequently under attack from a vocal minority, it’s all the more vital to stand up for the basic idea that choices should be informed by the best evidence and data available. That means insisting that kids are taught solid science unfettered by political or religious doctrine, that people face up to what’s actually known about the climate realities we confront, and that we draw a bright line to differentiate science-based fact from politically motivated disinformation.– but he is half-wrong when he assumes “politically motivated disinformation” is a one-party problem.  Our previous entry (12/09/13) showed that scientists are not immune from the herd mentality and the many human foibles that beset most other people – perhaps more.  Other entries have shown (although this is common knowledge) that denizens of academia and the press tend to be predominantly leftist.  For Shulman, therefore, to list only scientists who equate advocating leftist political positions with “standing up for science” says more about his ideology than the solidity of the evidence.Got evidence?  It’s not evidence until it stands up to the best that critics have to say.  It’s pretty clear that Shulman and Live Science have taken up positions on evolution,  climate change and energy policy by (1) assumption, (2) herd mentality, (3) political bias, or (4) all of the above, without doing a proper literature search on the best arguments of critics of the leftist positions.  Instead, they commandeer “consensus science” as props for their chosen positions, accusing anyone who disagrees with them of being “anti-science.”But if the qualification is to “stand up for science,” why didn’t they list Stephen Meyer, whose best-seller Darwin’s Doubt stood up against the dogmatic, intolerant, anti-evidence Darwin Party over the issue of the Cambrian Explosion?  As for climate change, there are also spokespersons against the global-warming hysteria who have expertise not beholden to the Koch brothers or any other bogeymen, but whose voices are routinely squelched by the media.  In a phony show of bipartisanship, they listed two “conservatives,” but only when they advocated leftist positions or compromised with them.You can tell a leftist.  They are characterized by emotion over logic, dogmatism, simplistic unworkable answers (like “visualize world peace”), improper characterization of science as a uniform support for leftism, scare tactics, a desire to control their fellow human beings, the belief that government is the answer to everything (that’s why leftist is roughly equivalent to statist), hatred for the successful, disgust with religion, tendency to fall for utopian dreams, belief in equality of outcome instead of equality of opportunity, a desire to make everyone equally miserable, a herd mentality, undying faith in the UN and globalism, rejection of traditional values, promotion of those who tear down traditional values, advocacy of unlimited abortion, a collective mindset instead of respect for individual rights, impatience with debate (claiming “the science is settled – nothing to debate here”), amnesia over leftist failures (e.g., French revolution, communism), propensity to mischaracterize conservative views, readiness to label conservatives with hate-words, heavy use of cliches (like “social justice” and “global governance”), a bad habit of hiding their own radical positions behind euphemisms (like “reproductive health” for “abortion”) but attributing the worst motives (like “racism”) to their opponents, advocacy of politically-correct speech codes, no sense of responsibility, inability to answer a straight question without veering into talking points, reticence to apologize when proven wrong, tolerance of perversion, tendency to view everything in evolutionary terms (especially the Constitution), embrace of the myth of progress, devotion to Father Charlie Darwin, and shoddy scholarship.  A quicker way to tell a leftist is to look for those with sour, dour, snooty looks on their faces.  You can tell a leftist, but you can’t tell it* much.*Gender-neutral pronoun used in deference to the Left to avoid uncomfortableness with gender distinctions. 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A Stupid — and Illegal — Way to Air Condition Your Garage

first_img RELATED ARTICLES How to Heat a GarageShould I Insulate My Garage Door?Energy-Efficient Garage DoorsAir Conditioner BasicsGBA Encyclopedia: Air ConditioningThe Magic of ColdCalculating Cooling LoadsWindow-Mounted Air Conditioners Save Energy Mistake #2: Air conditioning the garage the wrong wayOK, so let’s say you’ve got a good reason to air condition the garage. That’s fine, but you should absolutely never, ever do it the way they did here. Matt Risinger is an Austin home builder who owns Risinger Homes and does things the right way. The photo above is from a video he made to explain the problems with air conditioning a garage the way this builder did.The big potential problem here is bad indoor air quality. Let me show you why. An air conditioner is supposed to be balanced in its air flow. A 3 ton AC pulls 1200 cubic feet per minute (cfm) of air (nominal) from the conditioned space and then puts 1200 cfm of air back into the conditioned space.What Matt showed above is a system that puts maybe 400 cfm of air into the garage. It’s still pulling 1200 cfm from the house (assuming a 3 ton system) but only has 800 cfm left to put into the house.Hmmmm. 1200 out, 800 in. That’s like having a 400 cfm range hood running whenever the AC kicks on. That’s gonna depressurize the house.One of the basic rules of air flow is that for every cfm in, you’ve got to have another cfm out, and vice versa. So if the AC is pulling 1200 cfm from the house and putting 800 back in, it’s got to find another 400 cfm somewhere. It does that, as Matt said in the video, by pulling from the garage, under the walls, through the can lights, and also down a gas water heater flue if the house has one.That last one is potentially deadly. If the air conditioner pulls air down the flue while the water heater is firing, that means the exhaust gases aren’t going up the flue. That’s called backdrafting. It can put carbon monoxide into the house and into your lungs while you’re sleeping. Not such a good idea, eh?Even if you don’t backdraft a gas water heater, you’re pressurizing the garage and depressurizing the house. That means all the bad stuff in that garage air wants to find a way into the house.If that’s not enough for you, how about the fact that the building code doesn’t allow it? Just because it’s not allowed, though, doesn’t mean it doesn’t happen, as the video shows. Building inspectors don’t catch everything. Why is it a waste of energy? Because cars, lawn mowers, and junk don’t need to be air conditioned. Also, standard roll-up garage doors aren’t insulated or air-sealed, so you’re paying to condition space that’s constantly reheated by Mother Nature, especially if those doors get direct sun during the day.Are there good reasons to air condition a garage? Sure. If I’m a woodworker and don’t care if my cars sleep in the driveway, I’d air condition my garage in Austin. Or if I want to turn it into a mancave, momcave, or teen hangout, it’s definitely gonna chill. Or maybe you can’t build a house in a certain price range or Austin neighborhood without air conditioning the garage and have any hope of selling it. Sometimes people do the craziest things. Take that photo at right, for example. That’s a new home being built in Austin, Texas. The arrows point to three air conditioning ducts. In the garage. Yes, they’re air conditioning the garage. Allison Bailes of Decatur, Georgia, is a speaker, writer, energy consultant, RESNET-certified trainer, and the author of the Energy Vanguard Blog. You can follow him on Twitter at @EnergyVanguard. The right way to air condition a garageIf you really must air condition a garage, you need to install a separate system for the garage only. The best way to do this is with a minisplit heat pump or air conditioner. It’s perfect for this application because it’s small, doesn’t require ducts, is very energy efficient, and can be turned off when you don’t need to cool that space.Of course, another, less expensive, option would be to use window units. They’ll do the same thing for less cost. You’ll get more noise and lower efficiency, but if it’s not used much, that’s probably acceptable.There you have it. As with most things, there’s a right way and a wrong to air condition a garage. Then there’s the question of whether you should be air conditioning it at all. Mistake #1: Air conditioning the garageNow, the first mistake here was probably adding air conditioning to the garage in the first place. Most of the time, a garage is used simply as a garage. That is, the homeowners store cars, lawn mowers, high school yearbooks, a Smoking Donkey cigarette dispenser, a ‘time capsule’ in a shrimp factory box that you’ve had since your first job in high school, and that old Mr. Microphone. (Hey, Good Lookin’, we’ll be back to pick ya up later!)If it’s just going to be used as a garage, there’s no need to air condition it all. It’s a waste of energy that will provide the owners little if any benefit. If they’ve got some really valuable stuff that can’t take the heat or humidity out there (like that Mr. Microphone), then bring it into the house.last_img read more

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Tim Tebow working out, preparing for Year 2 in pro baseball

first_imgRead Next Trump attends World Series baseball game in Washington DC PLAY LIST 01:04Trump attends World Series baseball game in Washington DC00:50Trending Articles01:44Undas tradition: 2 mom’s crusade against trash at cemeteries01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City Typhoon Kammuri accelerates, gains strength en route to PH Kammuri turning to super typhoon less likely but possible — Pagasa Japan ex-PM Nakasone who boosted ties with US dies at 101 View comments The former Heisman Trophy winner and NFL quarterback said Friday (Saturday Manila time) that he spends three-to-five days each week training for baseball, getting himself ready for Year 2 of his pro career in the New York Mets organization.“I didn’t take any time off,” he said.FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutoutTebow gets the work in around his off-the-field job as a college football analyst for the SEC Network, which takes him to schools throughout the Southeastern Conference from September until January.The TV gig has not dulled Tebow’s desire to make a mark in baseball, where he spent this past season with two Class A clubs, Columbia in the South Atlantic League and Port St. Lucie in the Florida State League — both in the Mets system. CPP denies ‘Ka Diego’ arrest caused ‘mass panic’ among S. Tagalog NPA As 4 more Russians banned, Olympic leader Bach warns critics Tebow remembered how he would work on his skills with minor league coaches or Mets roving instructors that he had not practiced in earnest in a dozen years.“It’s not just being able to do it, it’s being able to do it as fast as possible,” Tebow said. “And that’s how you make the jump to the next level.”Tebow’s charisma and popularity made him a must-see attraction in minor league baseball. Fans filled parks, home and away, to catch a glimpse of Tebow in the outfield or at bat as a designated hitter.There were even fans at the taping of Tebow’s “SEC Nation” show Friday wearing his No. 15 Columbia Fireflies jersey.Tebow appreciated the applause. Now, he wants to earn it with better play.He didn’t provide any detail his training regimen, only saying he would hit as often as possible. There will be no organized instructional league this offseason before spring training starts.“You look at what you need to work on and it’s working on those things,” Tebow said. “Because it’s really hard to balance competing at a high level with learning and building on fundamentals.”Tebow said he’s got a strong relationship with New York Mets general manager Sandy Alderson and all the coaches he’s worked with so far. His next stop is spring training with the focus on improvement.“Don’t focus on the end result. Don’t focus on where you are right now,” he said. “Focus on this is what I’ve got to do to get better.” “Loved it from the first at bat to the last at bat, it was a great experience,” Tebow said.Tebow, 30, was a good high school baseball player and on track to get looked at by Major League teams until he chose to play football at Florida. He was part of two national title teams with the Gators, became a first-round NFL draft pick and spent three seasons with Denver and the New York Jets. Looking for a challenge, Tebow relaunched his baseball career with a tryout camp in 2016 and was signed by the Mets soon after.“I think the other thing I really enjoy is I love competing,” Tebow said. “So baseball is fun because you get to play every night.”Tebow’s stats were not exactly eye-popping — he hit .226 in 126 combined games with the two teams and had eight home runs, 52 RBIs and 126 strikeouts — but he believes he made huge strides from his first game to his last and can build on that next season.“I don’t even feel like remotely close to the same player (in April) from fundamentals, pitch recognition, the outfield, running bases,” Tebow said. “That was the first after dropping (baseball) for 12 years. I was learning on the fly.”ADVERTISEMENT LATEST STORIES MOST READ Stronger peso trims PH debt value to P7.9 trillion Columbia Fireflies’ Tim Tebow. AP FILE PHOTOCOLUMBIA, South Carolina — Tim Tebow’s goal going forward is simple: Play ball!Professional baseball, to be more specific.ADVERTISEMENT Brace for potentially devastating typhoon approaching PH – NDRRMC QC cops nab robbery gang leader, cohort Don’t miss out on the latest news and information. Kris Aquino ‘pretty chill about becoming irrelevant’last_img read more

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18 days ago​Liverpool attacker Shaqiri explains changes from Bayern Munich days

first_img​Liverpool attacker Shaqiri explains changes from Bayern Munich daysby Ansser Sadiq18 days agoSend to a friendShare the loveLiverpool winger Xherdan Shaqiri has spoken about how he’s changed since his days at Bayern Munich.The Swiss star failed to make the grade at Bayern as a youngster.He eventually moved to Stoke City in the Premier League. Their relegation prompted a cut price move to Liverpool last summer.”Over the years I have become calmer and more patient,” he told Schweizer Illustrierte.”I would probably last longer in Munich today and waited for my chance. I know that I have to give myself more time for my career steps now.” About the authorAnsser SadiqShare the loveHave your saylast_img read more

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Expo to Mark World Water and Meteorological Day

first_imgA two-day exposition will highlight activities marking World Water Day and World Meteorological Day in Jamaica, on March 22 and 23 respectively.Organised by the Ministry of Water, Land, Environment and Climate Change, the exposition will be staged on the south lawns of Devon House, St. Andrew, under the theme: “Partnering for Sustainable Development”.The work of the Ministry and its agencies, particularly in the area of water and meteorology, will be highlighted during the two-day event, which will be open to the public from 10:00 a.m. to 6:00 p.m. on both days.Portfolio Minister, Hon. Robert Pickersgill, will officially open the exposition and deliver the keynote address, on March 22.Several agencies, including those under the Ministry’s portfolio, have confirmed their participation in the exposition. They include: the National Water Commission (NWC); Rural Water Supply Limited (RWSL); Water Resources Authority (WRA); and National Meteorological Service.last_img read more

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Jobs figures tariff exemptions push Toronto US markets into positive

first_imgNorth American markets rallied Friday on strong U.S. jobs figures and a Canadian reprieve from U.S. President Donald Trump’s tariffs on steel and aluminum.The much-anticipated job figures showed U.S. employers added 313,000 jobs in February, while the hourly wage grew a low-than-expected 2.6 per cent compared to a year ago.The hiring showed continued strength in the economy while the wage growth — lower than the 2.9 per cent reported a month ago — tempered inflation fears, said Manulife Asset Management portfolio manager Cavan Yie.“The jobs data was very very positive, and in combination with that, the wage or inflation data was also positive in that it was lower than expected. So we’re not seeing the same level of wage growth that we saw in the previous month.“The markets sold off several weeks ago on the fears of higher-than-expected inflation, and what that meant for company margins and the fed potentially raising more than expected this year,” said Yie.The job numbers, along with Trump indefinitely exempting Canada and Mexico from the metal tariffs, helped U.S. markets recover from recent losses.Canada also posted positive jobs numbers Friday. The economy added 15,400 net new jobs last month and the unemployment rate edged down to 5.8 per cent — but the gains were due to a surge in part-time work that offset a heavy decline in full-time positions.In New York, the Dow Jones industrial average was up 440.53 points to 25,335.74. The S&P 500 index was up 47.60 points to 2,786.57 and the Nasdaq composite index was up 132.86 points to a record close of 7,560.81.The S&P/TSX composite index closed up 39.11 points to 15,577.81, led by energy and materials.The Canadian dollar closed at 77.88 cents US, up 0.52 of a US cent. The loonie got a boost after Canadian industries learned they would be exempt from the tariffs, said Yie.“There was a huge relief rally in the loonie, reflecting Canada’s exemption from aluminum and steel tariffs. The loonie had taken quite a dive in the face of those comment initially as Canada as well all know is a major steel exporter to the U.S.”The April crude contract closed up US$1.92 to US$62.04 per barrel and the April natural gas contract was down two cents at US$2.73 per mmBTU.The April gold contract ended up US$2.30 to US$1,324 an ounce and the May copper contract was up six cents to US$3.14 a pound.-With a file from Associate Presslast_img read more

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